Best Medicare Supplement Plans Nashville

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated March 1st, 2024

Wondering how to choose the best Medicare supplement plans Nashville has to offer for your healthcare needs? Our guide simplifies the complex world of Plan A, G, and N options, provides clear cost comparisons, and outlines practical steps to finding your ideal coverage.


Key Takeaways

  • Medicare Supplement plans in Nashville, such as Plan A, G, and N, offer benefits including coverage for Part A and Part B coinsurance, with costs ranging from $55 to $355 monthly, impacting factors including age, gender, and health history.
  • Plan G is a popular Medicare Supplement choice in Nashville, offering comprehensive coverage for out-of-pocket costs related to Original Medicare with premiums around $119.52 per month. High-deductible options appeal to those seeking lower monthly premiums but involve paying higher deductibles before coverage starts.
  • Enrollment in Medicare Supplement plans is subject to specific periods, with the Medigap Open Enrollment Period lasting 6 months from eligibility. Top providers in Nashville include Cigna, AARP, and USAA Life among others, with premiums and services varying across providers and plans.


Compare 2024 Plans & Rates

Enter Zip Code

Navigating Medicare Supplement Plans in Nashville


Navigating Medicare Supplement Plans in Nashville


In the vibrant city of Nashville, you have a variety of Tennessee Medicare Supplement plans at your disposal. These plans include Plan A, Plan G, and Plan N, and they offer a range of monthly premiums to match diverse budgets and healthcare needs. A thorough understanding of these plans and their coverage options is vital in making a decision that caters to both your health and financial needs.

The selection process for a Medicare Supplement plan can pose its own set of challenges. For instance, comprehending the nuances of Medicare coverage and evaluating the additional Medicare benefits offered by these supplemental plans can be tricky. Moreover, you might find yourself grappling with the complexities of comparing various plans and providers and assessing if the chosen plan meets your unique healthcare needs. But don’t worry, we’ve got you covered!


Understanding Plan Benefits and Coverage

Medicare Supplement plans in Nashville provide a certain set of benefits, including coverage for:

  • Medicare Part A coinsurance for hospital and hospice care
  • Medicare Part B coinsurance and copayments
  • The first three pints of blood required for medical procedures annually

This standardization helps Nashville residents manage coinsurance and hospital costs effectively.

However, the costs and coverage for these supplement plans can exhibit variability. For instance, the monthly cost of Medigap plans A, G, and N can range from $55 to $355. These plans typically encompass all Original Medicare services, including Part A hospital and Part B medical insurance, and often offer Part D prescription drug coverage along with potential supplementary benefits.


Selecting a Plan: Factors to Consider

Choosing a Medicare Supplement plan is not a one-size-fits-all process. Several factors can impact your selection, including your age, gender, and health history. Age, for instance, is a key determinant that insurance companies consider when setting the premiums for the plans.

Gender disparities can also impact the selection of a Medicare Supplement plan, with research indicating variations in patient experience metrics and average Medicare program costs based on gender. Moreover, your health history can influence your choice of plan. Certain plans may impose a pre-existing condition waiting period, resulting in a delay in coverage for these conditions.

Consider these factors diligently while selecting a plan that fits your needs perfectly.


Popular Medicare Supplement Plans in Music City


Popular Medicare Supplement Plans in Music City


There are several popular Medicare Supplement plans in Nashville, including Plan G and high-deductible options. Let’s delve into the details of these plans and their distinctive features.

Medicare Supplement Plan G, for instance, offers comprehensive protection for beneficiaries, covering out-of-pocket expenses related to Original Medicare. This Medicare supplement insurance plan, often recommended for individuals with chronic health conditions, provides extensive coverage through a medicare supplement insurance plan.

High-deductible Medicare Supplement plans, on the other hand, provide the benefit of lower premiums. This may be attractive to individuals seeking to reduce their monthly expenses. However, beneficiaries are required to meet a higher deductible before the plan starts covering their healthcare costs.


Spotlight on Medicare Supplement Plan G

Medicare Supplement Plan G offers full coverage for Medicare Part A and Part B co-pays and coinsurance, including expenses for Skilled Nursing and rehab facility stays, as well as Hospice care. Additionally, it protects against balance billing through excess charge coverage. This extensive coverage has made Plan G a popular choice among beneficiaries in Nashville, especially with the unavailability of Plan F to new members.

The average cost of Medicare Supplement Plan G in Nashville is around $119.52 per month. However, premiums may differ based on factors such as age and precise location within Tennessee, typically falling between $70 to $145 monthly. Note that Plan G serves as a supplementary coverage to Original Medicare, addressing expenses not covered by Original Medicare, with the exception of prescription drugs.


The Appeal of High-Deductible Plan Options

High-deductible Medicare Supplement plans:

  • Necessitate meeting a deductible before the plan provides coverage for included services
  • Typically offer lower premiums compared to other Medicare Supplement plans
  • Can be particularly appealing for Nashville residents looking to manage their out-of-pocket expenses, including deductibles and copays.

Examples of these high-deductible plans include Plan F and plans offered by Cigna. The average costs for these plans are Plan A at $59.59, Plan B at $127.37, Plan C at $145.33, and Plan D at $415.75. Remember, with a high-deductible plan, you’re required to pay a specified amount known as the deductible before the plan begins covering medical expenses.


Top Providers of Medicare Supplements in Nashville


Top Providers of Medicare Supplements in Nashville


Choosing the right Medicare Supplement plan also involves selecting a reliable provider. In Nashville, top providers include:

  • Cigna
  • AARP
  • USAA Life
  • Globe Life
  • Transamerica
  • New Era
  • US Fire Insurance
  • Medico

The average monthly premium for Medicare Plan G in Nashville, Tennessee is $119.52. However, premiums for other plans such as Plan A, G, or N, offered by top providers, can vary, with prices ranging from $55 to $355 per month. These providers typically include services in their Medicare Supplement plans aimed at assisting with the coverage of medical expenses not completely covered by Medicare, including copayments, coinsurance, and deductibles.


Comparing Monthly Premiums and Services

It is pivotal to scrutinize the monthly premiums and services offered by various providers while choosing a plan. For instance, the average monthly premium for Medicare Supplement plans in Nashville ranges from $55 to $355.

The monthly premiums for Medicare Supplement Plan G, for example, can vary, but on average, it costs around $119.52 to $133.50 per month. For a 65-year-old in Nashville, the most cost-effective Medicare Supplement plan is Plan N provided by Cigna, priced at $77.30 per month.

These plans commonly provide coverage for:

  • Part A hospital stays
  • Skilled nursing facility care
  • Hospice care
  • Some home health care.


Enrollment Periods and Eligibility Criteria

Following the selection of your plan, the next step is to enroll. The Medigap Open Enrollment Period for Medicare Supplement Plans in Nashville spans 6 months, starting on the first day of the month in which you turn 65 or older and are enrolled in Medicare Part B.

To qualify, you must be enrolled in both Medicare Parts A and B, be at least 65 years old or have a qualifying disability, and be a U.S. citizen or legal resident. Medicare beneficiaries should be aware that missing the Medigap Open Enrollment Period might lead to a Part B late enrollment penalty, possibly resulting in a higher monthly premium.


First-Time Enrollees: Getting Started

If you’re enrolling for the first time, the Medigap Open Enrollment Period is a crucial timeframe. This period lasts for 6 months and starts when your Medicare Part B coverage becomes effective. During this period, insurance providers are obligated to offer any plan with guaranteed issue coverage.

Initiating the enrollment process in a Medigap plan during this period is advisable. The anticipated monthly premium costs for Medigap plans A, G, or N in Tennessee vary from approximately $55 to $355. This wide range allows you to select a plan that best aligns with your budget and healthcare needs.


book appointment with

Compare Medicare Plans & Rates in Your Area

Get the latest prices from all the top carriers

Balancing Cost and Coverage: Affordable Nashville Plans

Balancing Cost and Coverage Affordable Nashville Plans


Several affordable Medicare Supplement plan options are available in Nashville, striking a balance between cost and coverage. For instance, Tennessee’s State Health Insurance Assistance Program (TN SHIP) offers complimentary and impartial Medicare counseling and aid to help decrease the cost of Medicare Supplement plans.

For a 65-year-old in Nashville, one of the most cost-effective Medicare Supplement plans is Plan N offered by Cigna at a monthly cost of $77.30. In addition, beneficiaries can explore Medicare Supplement Plan G, which provides affordable monthly premiums and comprehensive coverage.


Evaluating Plan Limits and Out-of-Pocket Expenses

Evaluating both the plan limits and out-of-pocket expenses is crucial while selecting a plan. For instance, out-of-pocket expenses for different Medicare Supplement plans in Nashville can range from $55 to $355 per month.

Cigna provides a favorable Medicare Supplement Plan G with reduced out-of-pocket expenses. When evaluating these costs, it’s crucial to focus on the plan’s specified out-of-pocket maximum. This will give you insight into the maximum amount you may need to pay for covered services.


Beyond Basic Benefits: Additional Plan Features

Some Medicare Supplement plans in Nashville go beyond basic benefits to offer additional features. These extend beyond the fundamental Medicare coverage, including:

  • Coverage for specific deductible and coinsurance amounts not included in Medicare
  • Additional hospital care days
  • Coverage for medical services not covered by Medicare Part A or Part B

These supplementary features greatly augment the overall worth of the plans by alleviating the financial burden on beneficiaries for out-of-pocket expenses like deductibles, copays, and coinsurance, thereby ensuring more comprehensive healthcare coverage.

For instance, some Medicare plans offer comprehensive coverage options that encompass a wide range of out-of-pocket expenses. These plans may also include specific additional benefits such as:

  • Coverage for routine vision exams with an allowance for glasses
  • Routine dental exams
  • Hearing exams with an allowance for hearing aids
  • Coverage for Original Medicare’s deductibles and coinsurance

Plan G and Plan F are examples of such plans.


Alternatives to Medigap: Exploring Medicare Advantage Plans

Despite the comprehensive coverage offered by Medicare Supplement plans, considering alternatives like Medicare Advantage Plans is crucial. Also referred to as Medicare Part C, these plans serve as a comprehensive substitute for Original Medicare and are provided by private insurance companies.

While Medicare Advantage Plans offer additional benefits such as wellness and health care planning, reduced cost-sharing, and rewards programs, they do have limitations on the network of providers and may necessitate referrals for specialists. It’s important to carefully consider your options when choosing a Medicare Advantage Plan.

The average monthly cost of Medicare Advantage Plans in Nashville is $17.08, with certain plans providing a zero premium option, in contrast to the average monthly cost of Plan G Medigap plans, which amounts to $119.52.


Personalized Assistance: Consulting with Licensed Insurance Agents

Consulting licensed insurance agents can prove beneficial when choosing a Medicare Supplement plan. Personalized assistance from these agents ensures that individuals receive expert advice while finding the best coverage and cost options that suit their specific needs.

A licensed insurance agent offers a wide range of services to assist individuals in selecting Medicare Supplement plans. These services include:

  • Comparing the benefits of each plan
  • Customizing a plan to meet an individual’s specific needs
  • Presenting options from various insurance companies (if they are independent agents)

This expert guidance ensures that beneficiaries fully understand their options and make well-informed decisions.



In conclusion, selecting a Medicare Supplement plan in Nashville requires careful consideration of various factors, including plan benefits, monthly premiums, out-of-pocket costs, and additional features. While the process may seem overwhelming, it’s possible to navigate this landscape with the right knowledge and guidance. Remember, every individual’s needs are unique, and the best plan for you is one that offers a balance of cost and coverage that aligns with your healthcare needs and budget.

Compare 2024 Plans & Rates

Enter Zip Code

Frequently Asked Questions

What is the most popular Medicare Supplement plan for 2025?

The most popular Medicare Supplement plan for 2025 is Medigap Plan G. Its coverage is standardized, and each carrier providing this plan offers the same coverage.


What is the average price of a Medicare supplemental plan?

The average monthly cost for a Medicare Supplement plan is $139, although individual plan costs may differ. It’s important to consider these variations when choosing a plan.


 Which Medicare Supplement plan has the highest level of coverage?

The Medicare Supplement plan with the highest level of coverage is Plan F. It provides comprehensive coverage, including coverage for deductibles and most out-of-pocket costs.


What are the disadvantages of a Medicare Supplement plan?

Some disadvantages of a Medicare Supplement plan include the requirement of paying a monthly premium on top of Medicare Part B, and the potential lack of coverage for prescription drugs.


What are the benefits of Medicare Supplement Plan G in Nashville?

Medicare Supplement Plan G in Nashville offers comprehensive coverage for Medicare Part A and Part B co-pays and coinsurance, including expenses for Skilled Nursing, rehab facility stays, and Hospice care, while also protecting against balance billing with excess charge coverage.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the best Medicare Supplement Plans in Nashville, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

Medicare Supplement Plan G Rates